The app you are looking for
Business Mobile
ZERO administration fees, safe and secure access to your business accounts and cards, anytime, anywhere.
Current account, liquidity management, payments and collections
We have developed both standard payment solutions and special collection solutions adapted to your company's activity.
- You can open accounts in lei and foreign currency dedicated to each division, activity or geographic region, so that you can efficiently monitor certain activities;
- UniCredit Bank offers the possibility of keeping the current account available without mandatory minimum amount, with interest. Thus, you can benefit from the company's availability for payments and other current operations at any time;
- The interest is calculated daily and is posted into the account at the end of the month.
For legal entities with annual Turnover higher than 1 million and up to 3 million EUR
PACKAGE FEE: 45 LEI / MONTH
Products and services:
2 current accounts in LEI;
2 current accounts in EUR and / or USD;
Business Debit card (Mastercard Business Silver sau Mastercard Business Gold);
Online & Mobile Banking: BusinessNet Basic / Professional with Mobile Token & Business Mobile;
Info SMS.
Transactions:
Receipts in Lei and currency by payment order;
Intrabank payments in Lei and Currency through BusinessNet;
10 Interbank payments in LEI through BusinessNet from the main account included in the package*;
Cash withdrawals in Lei with the debit card included in the package from UniCredit Bank/UniCredit Group ATMs and Euronet Romania ATMs;
Transactions through UniCredit Bank Self Service machines (BNA) with the debit card included in the package or barcode;
Direct debit with UniCredit Bank partners.
Need more options in your current account package? No problem!
GeniusIMM current account package extraoptions
Unlimited interbank electronic payments in Lei from accounts included in the current account package* -> 55 Lei/month
Unlimited interbank electronic payments in foreign currency from accounts included in the current account package * -> 65 Lei/month
Payments and receipts in Lei with cheques and promissory notes from/in the accounts included in the package* -> 100 Lei/month
Unlimited withdrawals with the main debit card included in the current account package from any ATM in Romania -> 120 Lei/month
Additional current accounts in Lei and currency (EUR, USD, HUF, CHF sau GBP) -> 12 Lei/month
*The freebies and discounts refer exclusively to the commissions charged by UniCredit. It does not apply to Sent/ReGIS commission, respectively the commissions of the correspondent banks.
For the products or services that are not included in the package, the standard fees and commissions are applied according to the list of commissions and interests in force.
More reasons to choose the GeniusIMM current account package from UniCredit Bank
- Optimized transaction costs;
- A wide range of products and services for your current business;
- Adaptable and optimized services to the specifics of your business.
For additional information, you can contact us at cashmanagement@unicredit.ro or through your Relationship Manager.
You can benefit from the following types of payments:
- We offer a fast and accurate settlement for both payments in lei and those in foreign currency through our access to the compensation plan in Romania (TransFonD) and to the most important systems of “clearing & settlement” for euros, dollars and other main currency;
- Payments may be ordered electronically - using the electronic application BusinessNet - or on paper.
- UniCredit Bank offers its customers the opportunity to order end to end SEPA transfers on a special template/module, available through the electronic applications BusinessNet Basic and Professional. SEPA transfers use the XML format that provides, in addition to the SWIFT format, new fields with necessary information for reconciliation;
- Even if not initiated in SEPA format (in XML format or by using the special template) UniCredit Bank will convert and direct a payment via the SEPA specific CSMs (Clearing and Settlement Mechanisms) if the respective payment meets the conditions for SEPA clearing;
- UniCredit Bank also offers its clients the opportunity to make payments via SEPA Direct Debit (SDD) on the basis of signing a contract with the bank and after submitting a copy of the Mandate signed with SEPA DD. SEPA Direct Debit payments are made after validation of payment instructions sent by the provider SEPA DD mandate, a copy of which was filed by the payer to the bank.
The client companies of UniCredit Bank can pay the amounts due in lei by Direct Debit. If a company holds a current account at UniCredit Bank, they can sign a DD mandate; thus, the payment obligations to different suppliers shall be automatically performed by means of the DD instructions issued by the supplier.
We also offer the possibility of signing electronic Direct Debit Mandates for the agreed beneficiaries by means of our BusinessNet Basic/ BusinessNet Professional applications;
- The company’s account is automatically debited upon the maturity date, with the amount mentioned by the supplier within the electronic instructions of direct debit;
- Payments through DD can be made by both suppliers, upon an open invoice account at UniCredit Bank (intra-bank DD), as well as by the suppliers, with an open account with other credit institutions (inter-bank DD). For the suppliers with invoice accounts with other credit institutions, the payment service can be activated if the supplier can initiate DD instructions in the inter-bank system (service provided by the credit institution where the invoice account is open).
- A payment order initiated by the payer once, when the bank is mandated upon repeated execution. This type of payment can be ordered on paper format or through BusinessNet electronic application;
- One can perform payment orders scheduled in lei (including to the State budget) or in a foreign currency;
- The debit frequency can be daily, weekly, monthly, quarterly, each semester and annually, and the payments can be fixed or fluctuating.
- The salary payment, which is also possible by the use of BusinessNet, is a functionality extremely useful to the companies that wish to pay the salaries to their employees, without having to go to the bank;
- The extended network of branches, automatic cash-dispensers (ATM/BNA) and EFT-POS terminals installed with the traders gives the possibility to the salary card holder to use them for shopping or cash withdrawal on minimal costs, as well as the ability to perform any type of current account transaction.
- This service is a straight forward and safe solution to electronically settle your duties with the Customs Offices and is available in all Romanian Customs Offices that have an IT infrastructure in place.
- UniCredit Bank will automatically and electronically dispatch the relevant information regarding the payment orders to the Customs Offices within approximately 1 hour from the moment the payment is processed.
- This service is available for electronic payments, as well as paper based payments in accordance with the specific cut-off-times of UniCredit Bank.
For additional information, you can contact us at cashmanagement@unicredit.ro or through your Relationship Manager.
- Direct Debit represents a fast and efficient solution for the collection of payment obligations. Basically, the Direct Debit service is a pre-authorized debit of the payer‘s account; this debit is initiated by your company based on a Direct Debit collection agreement between UniCredit Bank and your company;
- Intra-banking debit (payers with accounts open at UniCredit Bank) and inter-banking debits (payers with accounts open at other credit institutions) are available in lei only;
- Based upon issued and validated DD instructions (un-rejected), the company’s account is automatically credited upon the maturity date with the amounts debited from the payers’ accounts (intra-bank DD) or with the amounts collected through the national compensation and settlement system (TRANSFOND-SENT) from the payers’ banks (inter-bank DD).
- Completely automated process;
- Automatic reconciliation based on daily reports delivered by the bank for the required payments.
- The service represents the transfer of funds from your company’s account, open with the State Treasury, into the current account from UniCredit Bank, and it shall only be available for account format 50.69 – Available funds – of the economic operators, open at the State Treasury;
- Transfers are performed by the bank without having to submit payment orders from your company;
- The service shall be valid both in Bucharest, as well as throughout the country;
- The bank statement open at the State Treasury can be electronically seen by means of BusinessNet and it can also be delivered in MT940 format.
- Based upon the agreement concluded with the bank’s partner – a company specialized in safe transport of assets, UniCredit Bank provides secured cash collection services/ other asset collection services from requested locations, as well as safe cash rendering to the specified locations;
- The collection of assets comprises lei, other currencies, debit instruments, coins;
- You benefit from the highest safety standards: cash transport is performed by means of armored cars, under armed guardianship, and GPS monitoring;
- You can also benefit from collection from any location in Romania and for any number of operations.
- Payment order trough special templates in BusinessNet/Internet Banking/Mobile Banking;
- Cash at Cash multifunctional machines (BNA) trough special templates;
- Card at bank cash-dispensers (ATM) trough special templates.
- Premium collection (virtual IBAN)
These solutions will be discussed together with your technical specialists in order to establish general aspects (collection accounts, criteria validation, algorithm implementation etc.).
For additional information, you can contact us at cashmanagement@unicredit.ro or through your Relationship Manager.
- Bank statements MT940 and electronic intermediary reports MT942 – standard format;
- Bank statements MT940 and electronic intermediary reports MT942– UniCredit structural format;
- Real-time monitoring method of debit instruments (by means of BusinessNet);
- Acceptance mode upon card payment (the transactions performed by means of POS and Imprinter terminals can be seen by traders directly from the electronic application BusinessNet);
- The monitoring file of the debit instruments rendered upon collection;
- Other special solutions – solutions can fluctuate from structural bank statements until special reconciliation files for collections via POS terminals.
For additional information, you can contact us at cashmanagement@unicredit.ro or through your Relationship Manager.
Solutions for effective domestic and cross-border concentrations of liquidites within the UniCredit Group for holding companies and/or groups of companies:
Our pan-European leading banking network, with more than 8,500 branches, offers the most modern banking services in over 17 countries. Through dedicated Cross Border Relationship Management, we are able to organize our customers' banking relationships in multiple countries, so that they receive the same quality of service abroad as they do at home.
Our top tier experts as well as the 4,400 parter banks worlwide contribute in developing and sustaining these innovative solutions. Everything is done in the easiest way possible: your local Relationship Manager is your unique point o access in the UniCredit network.
A client of UniCredit Cross Border has a special status, and:
Our Cross Border client has a special status:
Enjoys special treatment in the UniCredit Group;
Receives favorable offers based on the effective management of cross border activities;
Can quickly and efficiently access unique business opportunities through our range of innovative services.
